Tag: Financial Advisor
How Much Are You Paying? Ft. Mark Hansen (Ep. 16)

How Much Are You Paying? Ft. Mark Hansen (Ep. 16)

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Ever wondered how much you’re really paying for financial advice and whether it’s worth it? Dive into this episode as we discuss two key ways advisors get paid and how they shape your financial journey.

In this episode, Aaron Buchner sits down with Mark Hansen, Financial Advisor, Second Comma, to break down the differences between Assets Under Management (AUM) versus Fee-Only planning. They’re not here to proclaim a ‘one size fits all’ solution but to explore how different payment structures can help you meet your goals. Along the way, they share insights on the importance of transparency, the impact of digital transformation on financial planning, and why connecting with the right financial advisor is about much more than just numbers.

Aaron and Mark discuss: 

  • (02:52) Differences between AUM and Fee-Only Models
  • (06:50) Importance of transparency in financial planning
  • (11:19) What you’re actually getting for the money you spending
  • (19:22) Why an advisor’s personality matters
  • (24:52) Should you choose an advisor based on fee structure alone?
  • And more

Connect with Aaron Buchner: 

Connect with Mark Hansen: 

About our Guest: 

Mark Hansen is the founder of Second Comma, a financial advisory firm based in the United States. As a seasoned financial advisor, Mark specializes in guiding individuals and families who are a few decades away from retirement, typically in their 30s and 40s. His expertise lies in helping younger generations who are beginning to see their wealth accumulate, time constraints grow, and financial responsibilities expand.

Mark is passionate about creating personalized strategies that enable his clients to navigate their journey to retirement confidently and on their preferred timelines. With a commitment to clarity and long-term planning, he empowers families to align their financial goals with their life ambitions.

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Avoiding BS Financial Advice (Ep. 15)

Avoiding BS Financial Advice (Ep. 15)

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Ever wonder if what you see on social media is all smoke and mirrors, especially when it comes to finance? 

In this episode, Aaron Buchner tackles the prevalent myths and ‘BS’ that flood social media about personal finance. He debunks common misconceptions about investment returns and financial planning, emphasizing the importance of personalizing your financial journey rather than comparing it with flashy online benchmarks. Aaron also shares insights on why starting a relationship with a financial advisor early can be beneficial, even before retirement is on the horizon. Tune in for a casual, insightful chat that breaks down financial advice into digestible, relatable terms.

Aaron discusses: 

  • (03:26) Deciphering social media myths about investing
  • (07:09) The real role of investment returns vs. personal goals
  • (12:03) Why everyone, not just retirees, should consider a financial advisor
  • (14:05) Understanding financial advisory fees and structures
  • (18:53) Breaking down age-based investment rules
  • And more

Connect with Aaron Buchner: 

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The Story Behind Cactus and Prick Free Financial Advice with Karine Parthenais – Part 2 (Ep. 14)

The Story Behind Cactus and Prick Free Financial Advice with Karine Parthenais – Part 2 (Ep. 14)

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How did Cactus and “Prick Free” come to life?

In this episode, Aaron Buchner brings back Karine Parthenais from Mellow Brew Marketing for part 2 of their conversation about the creative journey behind their innovative rebranding efforts for Cactus. Together, they delve into the behind-the-scenes magic that birthed the “Prick Free” concept and Cactus’s vibrant identity.

Aaron and Karine discuss: 

  • (01:31) The pivotal moment that sold Aaron on the ‘Prick Free Financial Advice’
  • (02:18) Karine’s knack for capturing the essence of her clients through words
  • (03:20) Navigating client involvement in the branding process
  • (06:31) The balance of pushing boundaries and maintaining compliance
  • (13:55) The thought process behind the unique color palette for Cactus
  • (17:09) Using authentic elements like Aaron’s Converse to convey brand identity
  • And more

Ready to hear how Aaron’s vision and Karine’s wordsmith skills created an unmistakably fresh financial experience? Tune in and find out!

Connect with Aaron Buchner: 

Connect with Karine Parthenais: 

About our Guest: 

Karine Parthenais is the dynamic owner of Mellow Brew Marketing, a boutique marketing agency renowned for its tailored approach to business and branding strategies. With nearly 15 years of experience collaborating with business owners, Karine has honed her expertise in building impactful brands that resonate with their target audiences. In addition to her agency work, she is the founder and author of ‘The Work VACAY,’ a community aimed at helping entrepreneurs find balance and alignment in their professional lives. Karine’s passion for empowering businesses shines through in her dedicated approach, making her a sought-after partner for those looking to elevate their brand presence and achieve lasting success.

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The Story Behind Cactus and Prick Free Financial Advice with Karine Parthenais – Part 1 (Ep. 13)

The Story Behind Cactus and Prick Free Financial Advice with Karine Parthenais – Part 1 (Ep. 13)

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Ever wondered how a financial advisor can stand out in the crowded financial industry? What if the key to success is being a little more “left field” than expected? 

In this episode, Aaron Buchner welcomes his first guest, Karine Parthenais from Mellow Brew Marketing, to pull back the curtain on the bold rebrand of Cactus. Find out why Aaron chose to step away from the generic path and embrace a truly unique identity.

Aaron and Karine discuss: 

  • (03:08) The inspiration and process behind the Cactus rebranding journey
  • (08:47) The courage to embrace a unique and authentic brand identity that’s true to who you are
  • (21:36) The creative strategy behind choosing the name “Cactus” and “Prick Free Financial Advice”
  • And more

Join Aaron and Karine in this engaging conversation to see how financial planning can leave the boardroom and become an approachable, enjoyable experience!

Connect with Aaron Buchner: 

Connect with Karine Parthenais: 

About our Guest: 

Karine Parthenais is the dynamic owner of Mellow Brew Marketing, a boutique marketing agency renowned for its tailored approach to business and branding strategies. With nearly 15 years of experience collaborating with business owners, Karine has honed her expertise in building impactful brands that resonate with their target audiences. In addition to her agency work, she is the founder and author of ‘The Work VACAY,’ a community aimed at helping entrepreneurs find balance and alignment in their professional lives. Karine’s passion for empowering businesses shines through in her dedicated approach, making her a sought-after partner for those looking to elevate their brand presence and achieve lasting success.

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Don’t Plant Your Finances in Concrete (Ep. 12)

Don’t Plant Your Finances in Concrete (Ep. 12)

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Ever wondered if your financial goals are stuck in a rut, like a cactus trying to grow through concrete?

In this episode, Aaron Buchner dives into the art of prioritizing financial goals and why a solid foundation is critical for success. Through relatable anecdotes and a bit of chaos humor, he highlights the importance of a well-thought-out financial plan, avoiding the trap of ‘mindlessly saving’, and how writing your goals down can change your financial trajectory.

Aaron discusses: 

  • (02:47) Setting financial goals with purpose
  • (05:47) Separating and prioritizing savings for different objectives
  • (15:54) The significance of making vivid financial visions
  • (23:50) Creating unique financial plans for a balanced life enjoyment
  • And more

Feeling ready to make your financial journey less prickly? Tune in and enjoy some laughter while Aaron untangles financial planning.

Resources:

Connect with Aaron Buchner: 

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Removing Financial Thorns (Ep. 11)

Removing Financial Thorns (Ep. 11)

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Ever feel like you’ve got a pesky thorn in your side that keeps messing with your financial plans? You’re not alone, and today we’re digging deep into what’s really bothering us when it comes to money and how to deal with it.

In this episode, Aaron Buchner tackles the common yet often overlooked financial “thorns in your side.” Whether you’re just starting out or nearing retirement, these issues seem to affect everyone. Aaron shares insights on doing more than just basic financial planning – it’s about understanding your true financial needs and priorities. From knowing exactly what you’re paying for (and what you get in return) to the importance of honest conversations with loved ones about money, we’re covering it all. Aaron offers practical advice on how to stop flying by the seat of your pants and start making financial choices based on clear goals and priorities.

Aaron discusses: 

  • (01:37) Understanding what you’re really paying for in financial services
  • (06:14) Buckets of saving: how to prioritize and plan your financial goals
  • (10:19) The importance of talking to your partner and family about money
  • (16:12) The critical question: Asking “why?” should be at the heart of your financial decisions
  • And more

Ready to confront your financial thorns? Tune in now!

Connect with Aaron Buchner: 

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Tuition vs. Retirement – The Ultimate Financial Tug of War! (Ep. 10)

Tuition vs. Retirement – The Ultimate Financial Tug of War! (Ep. 10)

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Are you torn between saving for your kids’ tuition and securing your retirement? 

It isn’t an either-or scenario. Learn how to balance these priorities without sacrificing your financial peace of mind!

In this episode, Aaron Buchner debunks the “put your own oxygen mask on first” analogy and shows how you can achieve both tuition savings and retirement goals. Listen in as Aaron discusses the importance of prioritizing, planning, and utilizing family contributions to create a balanced financial strategy. Discover how saving for your kids’ education and your own retirement doesn’t have to be stressful or exclusive.

Aaron discusses: 

  • Dual Priorities: Understand the importance of balancing both tuition and retirement savings
  • Planning Ahead: Learn how to structure your savings to accommodate both goals
  • Family Contributions: Discover ways to involve grandparents and relatives in your kids’ education fund
  • Real-Life Insights: Aaron shares his personal approach to navigating these financial decisions.
  • And more

Resources:

Connect with Aaron Buchner: 

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Saving for Your Child’s Education Without Breaking the Bank: The RESP Explained (Ep. 9)

Saving for Your Child’s Education Without Breaking the Bank: The RESP Explained (Ep. 9)

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Are you dreading the looming costs of university for your kids?

Saving for university doesn’t have to be stressful or complicated – let’s talk about how RESPs can help secure your child’s academic future.

Join Aaron Buchner as he breaks down the essentials of Canadian RESPs, exploring individual, family, and group plans. Learn how to maximize government grants and gain practical advice to ease your financial planning worries. Perfect for any Canadian parent navigating the complex world of university savings.

Aaron discusses: 

  • The specifics of individual, family, and group RESP plans
  • How to earn up to $7,200 in government grants and additional bonuses
  • Real-world tips on avoiding common mistakes in saving for your child’s education
  • How RESP funds can be used for a variety of educational expenses beyond tuition
  • And more

Resources:

Connect with Aaron Buchner: 

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Lifestyle Creep: How to Handle It Without Breaking the Bank (Ep. 8)

Lifestyle Creep: How to Handle It Without Breaking the Bank (Ep. 8)

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Lifestyle creep can sneak up on anyone, leading to financial stress despite increased income.

How can you balance enjoying your earnings while securing your financial future? What are the key triggers and how can you manage them effectively?

In this episode, Aaron Buchner from Cactus dives into the intriguing world of lifestyle creep, exploring how incremental lifestyle upgrades can impact your financial stability. 

You’ll learn about recognizing and managing lifestyle inflation, understanding its triggers beyond just pay raises, and finding a balance between enjoying the present and saving for the future.

Aaron discusses: 

  • Understanding lifestyle creep and its broader triggers
  • Practical ways to manage lifestyle inflation
  • Balancing current enjoyment with future financial security
  • The importance of personal priorities in financial planning
  • And more!

Resources:

Connect with Aaron Buchner: 

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Your Cactus Doesn’t Know The Stove is Hot Without Touching It (Ep. 7)

Your Cactus Doesn’t Know The Stove is Hot Without Touching It (Ep. 7)

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There is a big difference between knowing something and experiencing something. You believe they can handle a riskier investment, yet your anxiety says otherwise.

Your investment risk level is not a 6% return or a 12% return. It is can you invest for a long time? Can you handle your emotions? Is your job stable? Is your life stable? You being able to not make a change when the market is panicking is only one thing that determines your risk levels

This week, Aaron Buchner shares a personal and somewhat humorous story about the risks he’s taken, from injuring himself in a soccer game after an 18-year hiatus to insights about risk tolerance and capacity in financial planning. He dives deep into understanding and managing risk to ensure you’re prepared for life’s unexpected turns.

Aaron discusses: 

  • Personal Risk Experiences: Aaron’s return to soccer and the physical risks involved
  • Risk Tolerance: The mental ability to withstand market drops and the difference between theoretical and actual risk
  • Risk Capacity: Financial ability to handle risk, considering income, debt, and lifestyle
  • Investment Strategies: Diversifying investments and adjusting risk levels based on different accounts and personal circumstances
  • And more!

Resources:

Connect with Aaron Buchner: 

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